Xtroverso Knowledge: Dutch Tax & Compliance Insights

Fraud: The Shapeshifter That Banks Fear and SMEs Cannot Ignore

by Paolo Maria Pavan

Fraud is not fading. It is mutating. For years, banks pointed proudly to falling APP (Authorised Push Payment) fraud losses , as if the war was being won. But look deeper: overall fraud losses haven’t...

AUDIO ES IT NL Paolo Maria Pavan SCAM THIRD PARTY RISK

Aug 20, 2025 RISK INTELLIGENCE

Behind the Scam: How Fraudsters Exploit Marketing, Software, and Shell Companies

by Paolo Maria Pavan

Behind the Scam: A Risk Intelligence Autopsy Fraud, today, does not wear a hoodie and hide in a dark basement. It wears a tie, rents office space, and runs on CRM dashboards that would not look out of...

AUDIO ES IT NL Paolo Maria Pavan SCAM THIRD PARTY RISK

Aug 19, 2025 RISK INTELLIGENCE

When a Savings Account Isn’t a Savings Account: Spotting the New Wave of Financial Scams

by Paolo Maria Pavan

Interest rates are moving, and many entrepreneurs in the Netherlands are scanning the horizon for a safe place to park cash reserves. A pop-up advert appears: a well-known international financial bran...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 18, 2025 RISK INTELLIGENCE

Cyber Resilience: The Silent Test Every Dutch Company is Already Taking

by Paolo Maria Pavan

In 2024, one in five Dutch companies learned the hard way what “cyber incident” really means. For large corporations, it was three in ten. The first blow? Financial loss. Then came the data breaches. ...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 13, 2025 RISK INTELLIGENCE

Fraud Has Learned a New Language, Have You?

by Paolo Maria Pavan

Once upon a time, fraud wore a fake moustache and asked for your bank details by post. Now it wears an AI-trained voice that sounds exactly like your accountant. It writes emails better than your mark...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 11, 2025 RISK INTELLIGENCE

Founders Without Nets: The 2025 Startup Grind & What GRC Teams Must Wake Up To

by Paolo Maria Pavan

FUNDING FREEFALL & THE SILENT KILLERS OF SCALE Let’s get one thing clear: raising money is no longer the biggest mountain to climb. It's proving that your startup deserves the money at all. According ...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 8, 2025 RISK INTELLIGENCE

Cash is Dead, Grandma Pays with Her Phone: Why 90% of Dutch Small Businesses Are Sleepwalking into a Payment Apocalypse by 2029

by Paolo Maria Pavan

Let’s not sugarcoat it: the Dutch payments landscape is evolving faster than most entrepreneurs can keep up with. Between shiny mobile wallets, digital euros on the horizon, and every train tapping yo...

ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 7, 2025 RISK INTELLIGENCE

Why Your Hip Young Intern Is More Dangerous Than Your Grandmother: The Cybersecurity Time Bomb Inside Gen Z

by Paolo Maria Pavan

They told us grandma would fall for the “Nigerian prince.” Turns out, it’s her grandson clicking on phishing links while juggling five side hustles and a Tinder match. Yes, really. Welcome to the upsi...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 5, 2025 RISK INTELLIGENCE

Dutch Entrepreneurs: Doing Business with Venezuela in 2025? You’re Out of Your Mind

by Paolo Maria Pavan

Venezuela’s in the spotlight again, but not for the right reasons. The Netherlands has officially issued a Code Red travel warning for the South American nation. Not a “be careful” yellow. Not a “watc...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Aug 1, 2025 RISK INTELLIGENCE

Georgian Dumplings, Kremlin Cash & Czech Gangsters: What’s Really Cooking at Pirosmani?

by Paolo Maria Pavan

Four tables, a fireplace, a Louis Vuitton bag, and a black Mercedes. It sounds like the setup for a Netflix drama. But this is real life in Karlovy Vary, Czech Republic, where khachapuri is on the men...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Jul 31, 2025 RISK INTELLIGENCE

Busted E-Bike Scam: How Small Biz Gets Screwed While China Rides Free

by Paolo Maria Pavan

Customs fraud is no longer a faraway crime reserved for shady offshore importers. It could be riding right into your warehouse, on two wheels, from China, disguised as “metal parts.” This week, the Eu...

AUDIO ES IT NL Paolo Maria Pavan THIRD PARTY RISK

Jul 29, 2025 RISK INTELLIGENCE

When the Luxury Bag Becomes a Money Laundering Tool

by Paolo Maria Pavan

Let’s get real. When you walk into a Louis Vuitton boutique in Amsterdam, you’re not just surrounded by soft leather and velvet ropes. You’re also stepping into one of the most tempting playgrounds fo...

AUDIO ES IT MONEY LAUNDERING NL Paolo Maria Pavan THIRD PARTY RISK

Jul 25, 2025 RISK INTELLIGENCE